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Ladies and gentlemen thank you for standing by and welcome to the SBA second quarter earnings call. For the conference, all the participants are in a listen-only mode. There will be an opportunity for your questions; instructions will be given at that time. (Operator instructions) As a reminder, today's call is being recorded.

With that being said, I will turn the conference now over to the Director of Finance, Mr. Mark DeRussy. Please go ahead.

Mark DeRussy

Good morning and thank you for joining us for SBA second quarter 2012 earnings conference call. Here with me today are Jeff Stoops, our President and Chief Executive Officer and Brendan Cavanagh, our Chief Financial Officer.

Some of the information we will discuss in this call is forward-looking including but not limited to any guidance for 2012 and beyond. These forward-looking statements maybe affected by the risks and uncertainties in our business. Everything we say here today is qualified in its entirety by cautionary statements and risk factors set forth in last night’s press release and our SEC filings which documents are publicly available.

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